Composite = Value 42×.35 + Stability 37×.25 + Liquidity 45×.20 + Consistency 51×.10 + Drag 70×.10 = 45.4.
Audit trail. Median computed from 67 priced corridors across 5 distinct chart cells (a chart cell = one points price × cabin). Pricing basis: dynamic. Value source: v5.3 route database, cardholder-adjusted — premium long-haul 4.3¢ on 10 routes (weight 70%) · everyday (economy + short-haul) 2.3¢ on 57 routes (weight 30%). Surcharge drag: 4.5%. Coverage is Thin — rating capped at AA and flagged Under Review: a median built on ≤2 chart cells is one observation, not a distribution.
Points are a cash discount, not a currency — spend them on Mint sales and don't accumulate
5 of 6 bank currencies transfer in — Amex MR 1:0.8 · Chase UR 1:1 · Capital One 5:3 · Citi TY 1:1 · Wells Fargo 1:1. JetBlue Plus/Business cardholders receive 10% of points back on award flights
Amex 5:4 Chase 1:1 CapitalOne 5:3 Citi 1:1 WellsFargo 1:1
Mint transatlantic sale fares appear regularly
Revenue-based pricing with peak creep: domestic and economy awards net ~2.3¢; Mint transatlantic is the only premium value (4.35¢ cardholder-effective).
Effective cost. Headline median 3.0¢. Funded on a typical 25% transfer bonus (2×/yr): 3.7¢. Periodic.
Cardholder tier. Co-brand cardholders receive 10% off award pricing; the rating reflects this tier.
| Index | Rating | Score | Median (net) |
|---|---|---|---|
| Master | BB | 45.4 | 3.73¢ |
| Domestic USA | BB | 45.9 | 2.39¢ |
| International | BB | 41.6 | 3.73¢ |